Craven County property record for 109 Smith Cir, Havelock, NC 28532
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,343 sqft · built 1975 |
| Lot Size | 0.558 acres (24,325 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $140,000 (Nov 2019) |
| Tax Bill | $1,870 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Nov 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 6-220-A-SCT1-026 |
| Primary APN | 6-220-A-SCT1-026 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,343 sqft Living Area |
| 1st Floor Area | 1,343 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 24,325 sqft (0.558 acres) |
| Storage Building | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 127709 |
|---|---|
| Street Address | 109 SMITH CIR |
| City | HAVELOCK |
| State | NC |
| Zip | 28532-2029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 26 SEC 1 CHERRY SD |
| Legal Subdivision | CHERRY SD |
| Jurisdiction | CRAVEN NC |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 961302 |
109 Smith Cir is owned and occupied by two individuals who bought it in November 2019.
Source: Craven County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 SMITH CIR, HAVELOCK, NC 28532-2029 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 27, 2022 | Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC |
| Nov 18, 2019 | Warranty Deed, Transfer · VA Mortgage NATIONSTAR MORTGAGE LLC |
| Apr 6, 2017 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2019 · Amount on File |
| Deed Sale | Nov 18, 2019 · Amount on File |
| Prior Sale | Apr 6, 2017 · Amount on File |
| Deed Document Number | 201910046521 |
| Deed Book / Page | 3592 / 590 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 109 SMITH CIR, HAVELOCK, NC 28532-2029 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 003723/234 |
|---|---|
| Date | Apr 27, 2022 |
| Book Page | 3723/234 |
| Instrument | 10095946 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Nov 18, 2019 |
| Property Address | 109 SMITH CIR, HAVELOCK, NC 28532-2029 |
| Document Number | 003592/590 |
| Book / Page | 3592 / 590 |
| Instrument Date | Sep 23, 2019 |
| Instrument | 10046521 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 SMITH CIR, HAVELOCK, NC 28532-2029 |
| Document Number | 003592/592 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 3592/592 |
| Instrument | 10046522 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Apr 6, 2017 |
| Property Address | 109 SMITH CIR, HAVELOCK, NC 28532-2029 |
| Document Number | 03497/0817 |
| Book / Page | 3497 / 0817 |
| Instrument Date | Mar 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $254.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 SMITH CIR, 109, HAVELOCK, NC 28532-2029 |
| Name | Verified Name |
|---|---|
| Address | 109 SMITH CIR, HAVELOCK, NC 28532-2029 |
| Document Number | 03497/0821 |
|---|---|
| Date | Apr 6, 2017 |
| Book Page | 3497/0821 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 109 Smith Cir was $1,870.
Source: Craven County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Craven County |
| Municipality | Havelock City |
| Unified School District | Craven County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $154,430 (-) Land $38,000 Building $116,430 | $154,430 (-) Land $38,000 Building $116,430 | |
| 2025 | $1,870.00 | $154,430 Land $38,000 Building $116,430 | $154,430 Land $38,000 Building $116,430 |
| 2023 | $1,797.00 (+18.77%) | $154,430 (+22.17%) Land $38,000 Building $116,430 | $154,430 Land $38,000 Building $116,430 |
| 2022 | $1,513.00 | $126,410 Land $33,250 Building $93,160 | |
| 2018 | $126,410 Land $33,250 Building $93,160 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Smith Cir in Zone X, an area of minimal flood risk, though there have been 34 flood claims nearby since 1998.
Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 30 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 30 in force |
| Nearby Flood Claims | 34 (1998–2021) |
| Claims Outside the SFHA | 34 of 34 |
| Most Recent Claim | Jun 2021 · other causes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 109 Smith Cir is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HAVELOCK WATER SYSTEM serves 14,925 people · EPA ID NC0425015 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 236 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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